Terms of Service

Last updated: July 9, 2026

1. Acceptance of terms

By creating an account or using Learn It ("the Service"), you agree to these Terms. If you don't agree, don't use the Service.

2. What Learn It is

Learn It is an educational platform that helps young adults build practical life and money skills. Content is for general informational purposes only and is not professional financial, legal, tax, or medical advice.

3. Your account

You're responsible for keeping your login credentials secure and for all activity under your account. You must be at least 13 years old to use the Service.

4. Acceptable use

• No harassment, hate speech, or harmful content in the community.
• No spam, scams, or unauthorized advertising.
• No attempts to break, reverse engineer, or abuse the Service.
• No sharing of others' private information.

5. AI-generated content

Conversations with the AI coach can be wrong or incomplete. Don't rely on them for major financial, legal, or medical decisions. Don't share full SSNs, account numbers, or passwords with the AI.

6. User content

You retain ownership of content you post. By posting, you grant Learn It a worldwide, non-exclusive license to display and distribute it within the Service.

7. Termination

We may suspend or terminate your account if you violate these Terms. You may delete your account at any time.

8. Disclaimers

The Service is provided "as is" without warranties of any kind. To the fullest extent permitted by law, Learn It is not liable for any indirect, incidental, or consequential damages.

9. Changes

We may update these Terms. Continued use after changes means you accept the updated Terms.

10. Contact

Questions? Email support@learnitlife.com.